Yes

If you don’t buy the house in full, the remaining part after the down payment can only be borrowed, and cannot be deducted from your salary in installments

Buying a house loan, in fact, you The loan money is directly given to the real estate, which means that after the loan is obtained, you have paid off the entire house. The remaining loan is between the individual and the bank. There is almost no relationship with the developer - except for the application process. In addition to the real estate certificate

If you don’t get a loan, it’s impossible for the developer to give you the house without receiving all the money. The so-called loan actually means that the money you borrow from the bank is handed over to the developer in one lump sum, and then you need to repay the bank's interest and principal every month. If you don't get a loan, the developer will not agree. You will definitely need a loan to pay only the down payment, so that the loaned money can be used to pay off the purchase price in full before the house can be handed over to you. Otherwise, the sale cannot be completed due to the money you owe to the developer or second-hand housing landlord. After taking out the loan, you have to repay the loan to the bank every month according to the loan contract.